Well that's life, then when you get close to retiring I am semi-retire it just continues. yea winning the lotto would help.
but it ok, I'm old and just enjoying life the way it comes

:ughdance::iagree:

Its Monday, the birthday week is over
I accomplished what I wanted saw Mom and help celebrate her 98th
saw my brother and sister and their families
spent time with my cousin born the same year
and had fun dinners with both my son's family, which included the grandkids.
Only one I did not see was my son in Seattle
Finally a great drive home from Martinsville, VA simply to reflect
life is good
:ughdance::tiphat::hello:

i always try to follow the golden rule.. and Im always strong duude.:happydance:

Always the right thing.:iagree:

sounds like you had a great weekend, good for you brother.. you are blessed sir.

227 Days until Thanksgiving 2023

259 Days until Christmas 2023

266 Days until New Years 2024

? Days until EW pays off his BMW

https://www.cnn.com/2023/04/10/asia/...hnk/index.html

"Elderly couple dies after eating poisonous pufferfish in Malaysia."

"Highly prized but deadly delicacy."

"There is no known antidote to the poison."

I mean, if you decide to play Russian Roulette by eating a known toxic fish and you end up dying, that is 100% on you.

:hello:

Happy post Easter Monday. Another beautiful day in the hood.

https://www.cnn.com/2023/04/10/econo...vey/index.html

"Consumers feel credit is getting harder to come by, Fed survey shows."

No sh!t people. What did you think would happen when rates have drastically increased a few fold times over??

I've mentioned this a few times over the past months that with each increase, consumers will be qualified for much less than what they otherwise would have when rates were much lower, if they qualify for anything at all. Again, now is NOT the time to get into additional liability debt. If you can't pay it off in 29 days, don't buy it.

For those that believe it’s a bad time to buy a home, one of my clients closed today on their home and only had to bring $12K to the closing table. In a normal/balanced market, the buyer typically needs to come up with approx. 10% of the purchase price.

When to buy a home really depends on YOUR financial situation. As I have always advised my clients, just because rates are high does not mean it’s a bad time to buy and just because rates are low does not mean it’s a good time to buy. As I have always advised my clients, if you have the ability and means to buy, then buy. Buying a home is a healthy/asset debt, something that will build you wealth (if done right).

This particular client was a first-time buyer and had limited cash to purchase. So the game plan was to find a home that has been sitting on the market for some time (60+ days). The idea is that if a seller lists their home, they are in a position where they have to sell. And with each passing day and sitting on the market, the seller becomes more and more pressed to sell sooner than later. We were able to work out where the seller of this home paid all the closing costs (buyer and seller), fixed things up around the house that were NOT required by insurance, and also offered seller credits to help pay for discount points. What normally would have been near $35K required of the buyer at closing was reduced to $12K.

EDIT:

Disclaimer: this strategy does NOT always work, as each deal/contract/closing is unique and different.

dude. :hello:

:tiphat:

:hello:

:hello::hello:

Good Tuesday Morning All. 76* for a high today with 0% chance of rain. :bowdown: Time to Rock. So hope you all have a Good one today. :happydance: Stay Safe, Stay Positive and Keep Moving Forward. :tup:

Remember: "It Doesn't Matter Who You Are. If You Can't Put Down The Weight Without Dropping It, Then Don't Pick It Up." Mike Graham